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<br />AD.JUSTABLE RATE RIDM...... 0:03108
<br />(I Ya, ....-P.,... c.,)
<br />
<br />THIS ADJUSTABLE RATE RIDER is made thil .1.~J,l,l.. day of ...............,....~.y..n..~................ . 19 ..~.L .....
<br />is incorporaled into and slIall be deemed 10 amend and supplement the Mon.....Deedof Trust or SecuriCy Deed
<br />(Ihe "Security IftIltUmeat") of tile ..me date pftll by the undeniped (tile "8onoWer") to ~~~
<br />Adjullable Rate Note (the "Note") 10 ........,......,......$.~,l?,ll,!:.+.g,r....l:!g.r,!;,g![\&1l.,....I.n.,2,{,.......,........,...,......,......,.......
<br />.......,.......,....................................,......., (the "under") of the ..me date alld COfttilll.theprOpll,fty'
<br />dCICribed in the Security Inltnlment alld ioeated at: .
<br />
<br />..,:;.!i,;;,..~".""r.M,e.?,'i\J:l..i:...J1,r.J.Y,ll....7.,..Q,r.,e.'19,..,~,~,~,~,n.g,.....ff,~."..,~,~,?!?..1.....,......,...,..................,'
<br />l"-"YAohI_1
<br />
<br />THE NOTE CONTAINS PROVISIONS 4LLOW'ING 'O.c:"~GIS
<br />IN THE INTEREST RATE AND THE MONTHLYPA\'MIN'I',THE
<br />BORROWER MAY UMIT MON1'RLYPA:ntooINCltbSls2tO
<br />7%~ EACH YEAU' THE PROVISIONS OFT'IlENUTE"-"ITIT;,
<br />
<br />
<br />A~_.u. CowuollftS, ID addition 10. die covenanll allda.--made iD tile Security I""'meati
<br />Borro..e. and under fIlnher covenant lUId a.- as folloW$:
<br />
<br />A. INTEREST RATE AND MONmLY PAYMENT CHANGES
<br />
<br />The Norc provtdes for aD iaitia1 iDtetal rarc of .. .1..1..,.;;'.2, '1" The Note provided or chaqesill-tIle~rateiaact;.
<br />,he monlhly pa)'meDIS. IS follows:
<br />
<br />.. INTEREST RATE AND MONTHLY PAYMENT CHANGES; BORROWD'SRIGHTTO UMI1'PAY.
<br />MENT
<br />
<br />(A 1 CIaup 0._
<br />
<br />The lnld'ell rate I wtII pay ma)' ell..,. on the linl da)' of ........,....,.i.v.lx....................., , 19 ...!?::i..... , a.do.
<br />,Ila, d.ay every 12th moDth thetufter. bell date OD whldl my InlCRSt rate could c:hallle is called a "Challp' Date;"
<br />
<br />(81 ne IIlIIn
<br />
<br />BellDD.Il, ..tth the tint Cbaaac Date. my .DtefC'~ rate wdl be based on aa Index, "fbe "Index" is lheweekly
<br />averal~ )'Itld 011 United Slata Treasury sealrilia adjusted 10 a constaat maluril)' of I year... mllde availliblebythct
<br />F~d~rai it.".,J'YC' Board, Tltc moot tfICIC1lt Ind<< 1i'''K ava1l&blca. of the date .S da.~be~ eadtCna.g~".
<br />cane.! tile "CUmlDI IlIdca."
<br />
<br />If the htdea 1$ 110 Ioaaer avail.ble. the Note Holder will ~ a new...... wltich is b.see! upOlIcom".,.w.
<br />m(ormauon, "fbe Note HoIdet will eiveme notice of this cltoi<<.
<br />
<br />lei C.kvla..... of ClIo.....
<br />
<br />Before each C...... Dale. the Note Hold<< will caladalf: rr:! new IDte,.._ by acl4tq ,.9.l/.l'}...,{i\llIL......
<br />S.l.l\.':'.l<,Il.G,tJ;.i:'>..................,...,....,....... peRUIllIC poillll 1..,:..,.3,...., 'I,J to tile Cllrmlllll4elL Tltc l'4oceHQJder
<br />...!llhen round the resWt of this addiOOa 10 the _rest one~ebth of ODe pe<<:entalle poiat(O.12""). TlmlQUndi;d
<br />amount ...11 be my new illteRSt rarc lIDtiI.he IICllt Chance Date.
<br />
<br />T~ NQIC Holder wiIIthell delernUne the amoWII of tile DlOnthly payment thtt w4;l\lld ~ 1!!/f!~l\1 10 ~ 1M
<br />unpaid pnnopal that IlUDellpeaec! 10 owe ar m.C~ Date in ful! CD dw ....u.'ril't da;cilmY tlCw interestrale-in
<br />~utmantialll' "401 pa~u. The ravlt of tltU ealculatioo iHalled tile" fullP.~t." It will be thetlCW amOUDI j)f
<br />Ill)' mODlhly P.YaMlllt unIeM 1 dIooIe the amowtI pemUtled by ~ .(F) below,
<br />
<br />(01 Dec.i.. o.te of ClIoa..-
<br />
<br />My MW '"1_ rate ..dl bc<lome dective 011 eadt Chanlle Dale. I will pay tile amouat-of my new monthly
<br />payment be&iDAllt' OD the. lin! montbly payment dare after the CballlC Date lInwlhe amollnt of my monllll)-
<br />payment chat\&ti a,alft.
<br />
<br />lEI Notice of ~
<br />
<br />T~ Note HoIdet will deUver or mail 10 'Re a IlOtIa of an)' chances in Ill)' inlerl$l rate and the amouJII of my
<br />monthly pa)'mellt before the ektive dale of any chanle. The 1lOti<< will include information r"4uired by la.. 10 be
<br />I.ven me and also th~ Itlle lUId telc:pbone number of a pen<ln ...110 will ans..er an)' qlll$lton I ma)' hav~ relardine ~he
<br />ll<ltIa
<br />
<br />If) Berr_er'a IllPt .. u.ic MeedIIy Pa,_1
<br />
<br />UItIeu Scaions..(H) lUId .(1) belo.. will DOt permtt me ~o do 10. I may chootc w bmn the amounl of my n~w
<br />monthly fIlIyntell\ followiq a CItaqe Date to the amount I have b<<1l p~)'ine m..wplied by the number 1,015. Tltls
<br />a~nl i$ (1I\led.. tile "LiDIlted Payment." If I c~ .. ""te4 Par_I as ., _1111, ,.,,_.. 1 _II pe the
<br />~.. H...,_I<<..... 1_...... at least 15"'~ W_ Ia)' "'-I _ _till" ,.r- ia 'lIe.
<br />
<br />(G) ~ toM, lfataaW. PriAdaIal
<br />
<br />tfl.~to pa)_ LiJllilc4 Pay~.. my _II~Y fIlIymelll could be lea lhan.he Olt1OWlt of.be InI~rc)1
<br />r;Il.\nlOn l)ft.lw-..tIIJ,l!ty~ lhatWiltlkl'be ~~'lt to t\If1a)'.t.e litlflllid principai I owe 01 the monthly fIlIymellt
<br />dlt.,illf1jl. 011'" 1qA1tI!\t)tda!ie. i.IIl~tialJy ~u.lpar....nl$, If $0, teach moath lnallhe Limited PaYIII<'1l1 1$ I~"
<br />f\I.,..m. illte''''. pO:lllo!.\, the ~HoIder willlll'btt_ the Limited Paymen. from the amount of the jntetelOt portion
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<br />
<br />_l!ft..~...............__~ ,,_ T~_-_____.-..c__
<br />
<br />'or..., .)lQ1 t.i~1J
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